基于银行视角的农村承包土地经营权抵押贷款研究——以贵州省381家县级银行为例

Research on Rural Land Contracting Management Rights Mortgage Loan from the Perspective of Bank

近年来,随着农村土地制度改革的深入推进,农村承包土地的经营权抵押融资受到社会各界的广泛关注。本研究以银行为视角,运用二分类Logistic模型分析影响银行参与农村承包土地的经营权抵押贷款意愿的关键因素,发现业务开办经历、上级行的态度、当地新型农村经营主体的数量对银行的参与意愿有显著影响。本研究结合实证分析的结果,提出了有针对性的政策建议。

In recent years,with the deepening of the reform of rural land system,the financing of rural land con?tracting management rights mortgage has attracted wide attention. From the perspective of the bank,this study usestwo-classification Logistic model to analyze the key factors,which affect banks’willingness in rural land contractingmanagement rights mortgage loan. Also,this study finds business start-up experience,superior attitude,the numberof new rural business entities have significant influence on the willingness of local banks to participate. On the basis ofthe results of empirical analysis,this study puts forward some corresponding policy suggestions.